APR: 939.5% Representative
Loan amount: £200 - £1,500
Repayment duration: 2 - 6 Months
OPTIOSCORE 64.2/100 
Time to apply: 02m 00s
MoneyBoat.co.uk customer reviews

4.7 out of 5 from 83 customer reviews

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Provider last seen: 8:59am 1/6/2017
Product data last updated: 2:33pm 25/7/2017
Customer questions answered: 0
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Representative Example: If you borrow £400 over 113 months at a Representative rate of 939.5% APR and an annual interest rate of 255.50% (fixed), you would pay 113 monthly instalments of £149.37. The total charge for credit will be £197.48 and the total amount payable will be £597.48.

MoneyBoat.co.uk customer reviews

4.7 out of 5 from 83 reviews

Decent Service

09:31 27-07-2017

via Choose Wisely

very easy process, all online, no problems or issues highly recommended if in need of short term cash

Nick W

Good Experience

14:58 18-08-2017

via Smart Money People

Very good transaction, would use again if needed


Great Service

16:42 24-07-2017

via Choose Wisely

Would reccomend this service to anyone


Easy,quick & great!

14:52 18-08-2017

via Smart Money People

Really simple application, fast and efficient. Really nice customer service, which makes a change! Would use again if needed.


brilliant service

09:43 12-07-2017

via Choose Wisely

fast and efficient service, i will recommend it to everyone

Amram Ben-David

Exellent service

08:33 16-08-2017

via Smart Money People

Fast pay-out, all over the internet, so great if haven't got time to chat over the phone.

Hayley Greatorex

trustworthy lender.

20:15 19-04-2017

via Choose Wisely

They do what they say they will. Easy to communicate with and listen to what you say. thank you MoneyBoat.

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17:01 14-08-2017

via Smart Money People

Quick, friendly and will efficient all. Completed in minutes

Lee gasson

best service ever. quick and friendly

18:19 22-03-2017

via Choose Wisely

Realy amazing customer service!! I was short a bit this month and they were happy to help,! Thank you so much!! I wish i found them first!


very easy to apply and good customer service.

20:48 10-08-2017

via Smart Money People

it was good experience , easy to fill form and and very good customer service with no hassle, i felt very pleased and applied a loan with money boat it was very good experience. the website was really good to understand and emailing me the right paper work.


Our review of MoneyBoat.co.uk

Our review by Alex
Written by: Alex
Consumer sentiment


Based in London and part of Evergreen Finance London Limited, MoneyBoat.co.uk are a transparent and flexible provider of high-cost short-term loans.

MoneyBoat.co.uk offer one of the cheaper high-cost short-term loans at an interest rate of 0.7% a day rather than the more common 0.8% (which is the price cap set by the FCA). Moneyboat.co.uk don't charge any fees for arranging the loan or repaying it early, however, there are charges for missed payments – this is a flat fee along with any daily interest that is accrued. MoneyBoat.co.uk are very transparent about these fees and they shouldn’t come as a surprise if you do happen to miss a payment.

General sentiment across the web for Moneyboat.co.uk is positive. At the time of writing, Moneyboat had scored 4.7/5 from the reviews consolidated on Choose Wisely from Trustpilot and Smart Money People. On Review Centre Moneyboat.co.uk has again scored 4.7/5, this time from almost 600 reviews. Across the board particular praise goes to their friendly staff and painless application process.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. By missing or being late with repayments, you will not only harm your credit file but could be subject to a number of fees, which can soon make things very expensive.

Overall verdict: If you’re set on a high-cost short-term loan then with strong reviews and a reasonable price point (for this type of product) Moneyboat.co.uk are a serious contender. Just ensure you can meet the repayments before you apply.


  • Competitive representative APR
  • You can repay early with no extra charge or fee
  • Transparent information about their charges
  • Simple application form
  • Fixed repayment instalments

Minimum criteria

  • You must be employed full or part time
  • You must earn a minimum net monthly pay of £1,000
  • You will need to be aged 18 or over


  • Maximum APR 939.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15

MoneyBoat.co.uk Customer Question & Answers

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About MoneyBoat.co.uk

Moneyboat.co.uk are a short term loan provider offering loans of between £200 and £800 to new customers and up to £1500 for existing customers (subject to passing credit and affordability checks). MoneyBoat.co.uk’s representative APR is 939.5% and they have a flat interest rate of 0.7% a day. Loans are repaid over a minimum term of 2 instalments and a maximum of 6 months. The minimum instalment duration for the first instalment is 5 days with the maximum term between instalments being 45 days. 

When applying with Moneyboat, applications are completed online and passed to MoneyBoat.co.uk’s underwriting team who are available to process the loan during the weekday working hours of 8:30am and 5:30pm. To be eligible for a loan with MoneyBoat.co.uk you will need to be over 18, be employed either full or part time and earn at least £1,000 per month. 

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Provider last seen: 8:59am 1/6/2017
Product data last updated: 2:33pm 25/7/2017